Leisure, Lifestyle & Wellness
'Interstellar' - Most pirated film of 2015
Filmmaker Christopher Nolan's sci-fi drama "Interstellar" has taken the top spot as the most pirated movie of 2015.
 
The film, which was released in 2014, was downloaded 46.8 million times, according to piracy tracking firm Excipio, reports variety.com.
 
Other movies prominent on the list are several big money makers like "Furious 7" (44.8 million), "Avengers: Age of Ultron" (41.6 million) and "Jurassic World" (36.9 million). 
 
However, this year's record-breaking movie "Star Wars: The Force Awakens" doesn't make it into the list, probably because the movie didn't start showing up on piracy sites until several days after its release. There's still a chance that it will top the same list in 2016. 
 
In 2014, just like "Interstellar" did, the 2013 release "The Wolf of Wall Street" led the pack to become the most pirated movie. The Leonardo DiCaprio-starrer was downloaded 30 million times last year, significantly less than the space movie's nearly 47 million downloads. 
 
Disclaimer: Information, facts or opinions expressed in this news article are presented as sourced from IANS and do not reflect views of Moneylife and hence Moneylife is not responsible or liable for the same. As a source and news provider, IANS is responsible for accuracy, completeness, suitability and validity of any information in this article. 

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RBI's financial inclusion starts and stops with Aadhaar
While the Finance Ministry is reviving its mission to mandatorily quote PAN for financial transactions, the RBI cannot think beyond Aadhaar for financial inclusion
 
Reserve Bank of India (RBI) has come out with another strange idea for its financial inclusion drive. Instead of focussing on creating adequate infrastructure for the last-mile service delivery, the central bank thinks only government-to-person (G2P) cash transfer through Aadhaar number would make financial inclusion meaningful. This too without even bothering about the Supreme Court decision on not making Aadhaar mandatory for government schemes even as the Finance Ministry itself is issuing advertisements to quote permanent account number (PAN) for all major financial transactions. If the so-called unique identity is so sacred, why is the Finance Ministry placing emphasis on PAN cards for financial transactions? Does this also mean that financial transactions carried out by using Aadhaar are untraceable unlike where PAN is used?
 
RBI has placed on its website a report prepared by a Committee on Medium-term Path on Financial Inclusion. The Committee headed by Deepak Mohanty was mandated to review existing policy of financial inclusion, including supportive payment system and customer protection; study cross-country experiences of financial inclusion to identify key learnings, particularly in the area of technology-based delivery models; articulate the underlying policy and institutional framework and finally, suggest a monitorable medium term action plan for financial inclusion in terms of its various components such as payments, deposit, credit, social security transfers, and other financial products and services.
 
Interestingly, the Committee itself accepted there were significant gaps in terms of usage, inadequate ‘last mile’ service delivery, and exclusion of women as well as small and marginal farmers and very low formal link for micro and small enterprises. There were also systemic issues of stability of the credit system, over-indebtedness and agrarian distress, it said.
 
However, all it could come up with as a solution was cash transfer through Aadhaar. It says, "...the Committee set a much wider vision of financial inclusion as ‘convenient’ access to a basket of basic formal financial products and services that should include savings, remittance, credit, government-supported insurance and pension products to small and marginal farmers and low-income households at reasonable cost with adequate protection progressively supplemented by social cash transfers, besides increasing the access of small and marginal enterprises to formal finance with a greater reliance on technology to cut costs and improve service delivery, such that by 2021, over 90% of the hitherto underserved sections of society become active stakeholders in economic progress empowered by formal finance."
 
Dr Anupam Saraph, Professor, Future Designer, former IT advisor to Goa’s former Chief Minister Manohar Parrikar, had a question on the motives of the Committee in endorsing Aadhaar. He said, “If the Committee is ignorant of the orders of the Supreme Court in the matter on Aadhaar, can it be expected to be enlightened in the matter of national security, terrorism, creation of millions of bogus accounts and financial scams involving Aadhaar?”
 
In addition, Dr Saraph says, “How can a committee with conflict of interest and non-national representation even deal with the matter? The committee members included AP Hota, MD & CEO who represents the National Payments Corp of India (NPCI) that has interest in Aadhaar-based payments, Pawan Bakshi, who represents the (Bill and Melinda) Gates Foundation, Dr Asli Demirgüç-Kunt is a Director of Research at the World Bank; the others represent financial institution. Who represents the excluded or the citizens and consumers of financial services or even researchers who have been studying financial inclusion?” 
 
The emphasis on Aadhaar by the Committee is contrary to global experience on financial inclusion. The Committee itself states, mobile banking is being used successfully as a delivery channel in several countries. Mobile banking technology has tremendous potential for expanding financial inclusion, especially among the unbanked rural poor. The success of mobile money in Kenya, Uganda, Tanzania and other African nations shows that these innovations can bring about dramatic changes in how people engage in financial transactions, by lowering entry barriers, reducing costs and expanding access, the Committee says quoting from Demirguc-Kunt and Klapper, 2012 report.
 
Even for making the process of appointing business correspondent (BC) to provide last mile service delivery, the Committee could not think beyond the usage of Aadhaar. The Committee has recommended that the Indian Banks’ Association (IBA) may create a Registry of BC Agents wherein BCs will have to register before commencement of operations. "The registration process should be simple online process with photo and Aadhaar identification," it added. 
 
Here are some recommendations of the Committee for financial inclusion...
  1. Given the predominance of individual account holdings (94% of total credit accounts), a unique biometric identifier such as Aadhaar should be linked to each individual credit account and the information shared with credit information companies to enhance the stability of the credit system and improve access.
  2. Deposit accounts of beneficiaries of government social payments, preferably all deposits accounts across banks, including the ‘in-principle’ licensed payments banks and small finance banks, be seeded with Aadhaar in a time-bound manner so as to create the necessary eco-system for cash transfer.
  3. In order to increase formal credit supply to all agrarian segments, digitisation of land records is the way forward. This should be backed by an Aadhaar-linked mechanism for Credit Eligibility Certificates to facilitate credit flow to actual cultivators.
  4. Provision of credit history of all self-help group (SHG) members by linking with individual Aadhaar numbers to check over-indebtedness. This will ensure credit discipline and will also provide comfort to banks. 
  5. Aadhaar and e-know your customer (KYC) should be the uniform KYC accepted by all regulators including Telecom Regulatory Authority of India (TRAI)  
  6. Banks to complete the task of linking of deposit accounts with Aadhaar in a time bound manner so as to create the necessary eco-system for social cash transfer. 
  7. Bank credit to micro-finance institutes (MFIs) should be encouraged. The MFIs must provide credit information on their borrowers to credit bureaus through Aadhaar-linked unique identification of individual borrowers 
  8. State Level Bankers Committees (SLBCs) to focus more on inter-institutional issues, livelihood models, social cash transfer, gender inclusion, Aadhaar seeding, universal account opening, and less on credit deposit ratio which is a by-product.
  9. As a part of second generation reforms, the government can replace the current agricultural input subsidies on fertilisers, power and irrigation by a direct income transfer scheme.
 
“How can the committee that has no methodology and framework to assess financial inclusion even arrive at any recommendations?” Dr Saraph questions.
 
While the Committee reports goes on talking about linking Aadhaar for everything to make financial inclusion a success, it fails to provide any new idea to help resolve consumer grievances in a time bound manner. On resolving customer issues, all the Committee says is to use bank's internal ombudsman. "Each branch should, therefore, be required to prominently display the name, phone number and email address of the designated officials for such complaints," it says. 
 
In addition, it recommended putting in place a technology-based platform for SMS acknowledgement and disposal of customer complaints, which can provide an audit trail of grievance redressal. All banks must have an online portal for customers to fill complaints, it added. However, there is neither any time limit to resolve customer grievances nor any provision for levying penalty on erring officials, recommended by the Committee.  
 
The Committee said it believes that addressing significant pockets of exclusion, the adoption of technology and allowing multiple models and partnerships to emerge could effectively buttress the cause of financial inclusion. "While financial products have their benefits, there is a clear danger of mis-selling, which could damage marginalised segments who have an uncertain cash flow. Efforts on financial education need to be strengthened, including product-driven financial literacy so that the poor are not short-changed. Grievance redressal for customer complaints in banks needs some imaginative thinking. The overall governance structure would have to be more business-like, focused on delivery," it added.
 
Despite improved financial access, usage remains low, underscoring the need to better leverage technology to facilitate usage, the Committee noted. It says, "On the basis of cross-country evidence and our own experience, the Committee is of the view that to translate financial access into enhanced convenience and usage, there is a need for better utilisation of the mobile banking facility and the maximum possible G2P payments, which would necessitate greater engagement by the government in the financial inclusion drive."
 
The Committee also recommended a universal crop insurance scheme covering all crops starting with small and marginal farmers with a monetary ceiling say of Rs2 lakh. "The insurance should be mandatory for all agricultural loans. The insurance should be made affordable, with the farmer paying a nominal premium and the balance coming from government subsidy. The government can phase out the agricultural loan interest subvention scheme and plough back that allocation into the crop insurance subsidy. A graded crop insurance could be made available to medium and large cultivators with higher monetary ceiling and lower government subsidy," it said.
 
The Committee says it feels that the use of technology would make the insurance scheme more efficient. It says, "Satellite imagery can be used for ‘crop mapping’ and to assess damage. GPS-enabled hand-held devices can be used for ‘ground trothing’. In addition, drones and dove, micro satellites could also be deployed to assess crop damages. This will reduce the number of crop-cutting experiments required and will ensure faster claims settlement."
 
The Committee has invited comments on its report before 29 January 2016 either via email ([email protected]/ [email protected] ) or by post to the Principal Chief General Manager, Reserve Bank of India, Financial Inclusion and Development Department, 10th Floor, Central Office Building, Shahid Bhagat Singh Marg, Mumbai- 400001.
  
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COMMENTS

Mathew Thomas

1 year ago

RBI and the Committees such as this one are not ignorant. They are merely promoting the agenda of foreign countries for reasons best known to them. Readers will notice that no analysis or justification are given on how "Aadhaar" will lead to financial inclusion.
Surely, these worthies cannot be oblivious to the many frauds in "Aadhaar" enrollments reported in media all these years and the case in the Supreme Court, in which RBI also appeared to plead for "Aadhaar". There is a well orchestrated plan to promote this evil. How can RBI make this propaganda when "Aadhaar" is NOT proof of citizenship and when biometrics has been proven as fallible by UIDAI's admission in its affidavit in the SC?

Ramesh B Mhadlekar

1 year ago

It appears RBI cares a foot for Supreme Court.

B. Yerram Raju

1 year ago

The Report to say the least brings disaster and ensures financial exclusion.
While every account holder does not have a PAN card because he does not have income beyond the tax threshold, and securing PAN card is more cumbersome than AADHAR, the latter is fraught with the risk of losing personal data to all and sundry. When the Government of India is tabling several Bills the fact that legalising AADHAR is not being pushed evidences the disability of the instrument as a personal ID notwithstanding the inroads it already made into DBT.The Committee has the shadow of Nachiket Mor Committee that could not find its way in several areas.

It has totally ignored the Swaminathan Committee recommendations of delivering farm credit at 4% p.a. The small and marginal farmers are already on the threshold of suicides in several states deprived of institutional credit. Instead of strengthening the agricultural credit delivery system it has chosen to axe it by suggesting a commercial rate of interest.

MFIs have not proved as efficient and effective delivery points in financial inclusion window. They are highly expensive outfits. The RBI has done in fact great harm in permitting their inclusion under the Priority sector category.

Regarding customer complaints the less said the better would it be. Today, a customer has to complain online to get a reply from the system that the complaint would get attention within 48hours failing which the appropriate authority may be contacted. This appropriate authority is so busy as not to attend to the complaints.

India has more digitally ignorant entrepreneurs and customers of banks. Technology has not reduced the cost of banking. K.C. Chakraborthy used to mention repeatedly that the banks have not been able to reduce the cost of delivery in spite of huge increases in the volume of transactions. banks today are making up their losses in NIM from the levy of service charges and their Profit and Loss statements are an evidence. You fill your savings bank passbook at the bank at the designated machine and pay for it later in some form or other. Several customers even do not know the myriad of charges levied on their accounts. Because CASA is becoming unattractive the minimum balances in SB and Current accounts for retaining the account has been jacked up with the exception of Jan Dhan accounts. Even if you want to close the account you have to pay for it.

In essence on all the aspects that Deepak Mohanty has touched, the Report should be confined to the cupboards of the RBI never to be opened again.

ASCI bans 51 ads, including P&G, Colgate-Palmolive, Dabur, Patanjali, Airtel 4G, RCom, TimesNow, Domino's Pizza in October
Education category advertisements emerged at top followed by health and personal care category with the highest number of complaints received by ASCI during October 2015
 
The Consumer Complaints Council (CCC) of the Advertising Standards Council of India (ASCI) has banned as many as 51 advertisements out of 98 complaints it received across segments during June 2015. 
 
The banned ads are from prominent companies like Procter & Gamble Home Products Ltd (Pantene Shampoo), Colgate-Palmolive (India) Ltd (Colgate Sensitive Pro-Relief Enamel Repair), Novartis India Ltd (Otrivin Nasal Spray), Dabur India Ltd (Dabur Odomos Mosquito Repellant), Patanjali Ayurved Ltd (for Kesh Kanti and Dant Kanti), Byju Classes (for GRE, CAT, GMAT Coaching and Classes), Bharti Airtel Ltd (Airtel 4G), Reliance Communication Ltd (Reliance Pro 3), IMG RELIANCE (Indian Super League), Times Global Broadcasting Co Ltd (Times Now), Lenskart.com, Amazon (Redragon M613 2.4GHz Wireless Mouse), and Jubiliant Foodworks Ltd (Domino's Pizza) among others, they range from FMCGs to autos, personal accessories to alcohol, and education to media.
 
“...Out of 51 advertisements against which complaints were upheld, 16 belonged to the Personal and Healthcare category, followed by 19 advertisements in the Education category, 5 in Telecommunication and Broadband category and 11 advertisements from other categories,” ASCI said in a release.
 
Here are the ads that were banned by ASCI during October 2015…
 
 
HEALTH AND PERSONAL CARE:
 
The CCC found the following claims in health and personal care product or service advertisements of 15 advertisers to be either misleading or false or not adequately / scientifically substantiated and hence violating ASCI’s Code. Some of the health care products or services advertisements also contravened provisions of the Drug & Magic Remedies Act and Chapter 1.1 and III.4 of the ASCI Code. Complaints against the following advertisements were UPHELD.
  1. Procter & Gamble Home Products Ltd. (Pantene Shampoo): The claim of “New” in the advertisement of Pantene Shampoo is not qualified as per the ASCI Guidelines to elaborate that this refers to product upgrade. Thus, it was concluded that the advertisement is misleading by omission of this disclaimer.
  2. Colgate-Palmolive (India) Ltd. (Colgate Sensitive Pro-Relief Enamel Repair): It was concluded that the advertisement’s claim in the voice over of “enamel repair” as well as the visual representation which indicate that the tooth enamel is restored to its original condition or is re-built, was not substantiated.
  3. Novartis India Limited (Otrivin Nasal Spray): Otrivin is an OTC product containing Xylometazoline which could cause Atrophic Rhinitis if not used as directed. Aggressive advertising without providing information about the caution to be exercised can promote indiscriminate use of the product among the general public. It was noted that the package insert of the product has necessary caution statements; however, reference to any usage indication is absent in the advertisement. It was concluded that in the absence of a disclaimer, the TVC shows an unsafe practice without justifiable reason and encourages negligence.
  4. Dabur India Limited (Dabur Odomos Mosquito Repellant): The claim in the advertisement, “It is clinically proven that Odomos offers the most effective outdoor defence against mosquitoes for as long as 12 hours”, that is presented in the context of protection of Dengue mosquitoes was not substantiated adequately.
  5. Patanjali Ayurved Ltd (Patanjali Kesh Kanti): The claims in the advertisement, “World’s No.1 Ayurvedic Brand” and “100% charity from Profits” were not substantiated.
  6. Patanjali Ayurved Ltd (Patanjali Dant Kanti): The claims “World’s No.1 Ayurvedic Brand”, also the claimed benefits of the ingredients (such as Akarakara, Tumburu, Babool, Vajradanti, Majuphal, Margosa/Neem, Vidang, Turmeric, Clove, Mint, Pippali, Bakul, and Peeloo,) and “100% charity from Profits”, were not substantiated and were misleading.
  7. Apollo Pharmacy (Free home delivery service): It was concluded that the claim, “Free Home delivery service”, is misleading by omission of a disclaimer qualifying the conditions under which the claim is tenable.
  8. Dr. Ved Vyas Mishra (Treatment for Various ailments):  It was concluded that the claims in the advertisement, “Complete safe treatment through Homeopathy medicine”, “guaranteed treatment through Homeopathic medicines for Piles, Skin, Impotency, Infertility, Kidney stone, Migraine, Blood Pressure, Hair falling, Pimples, Gas acidity, weight loss etc”, were not substantiated. Specific to the claims related to guaranteed treatment for impotency, infertility, kidney stone and blood pressure, the advertisement is in breach of the law as it violates The Drugs & Magic Remedies Act.   Also, specific to the claims related to treatment for piles, the advertisement is in breach of the law as it violates Schedule J of The Drugs and Cosmetic Act, 1940 and Rules, 1945.
  9. Sanjay (Ayurvedic Pvt Ltd - Ghuti +) Baljiwan Pharmacy: The claim in the advertisement, “Continuous service for the last 102 years”, was not substantiated.
  10. Glamour World Ayurvedic Co Pvt Ltd (Rocket Capsules): The claims in the advertisement, “With the magic of Rocket anyone can stand up today”, “One would feel the effect in three days” and “Men and women can enjoy the benefits of this medicine till seventy years of age”, were not substantiated with product efficacy data or approval from the licensing authority. Also, the claims read in conjunction with the visual imply that the product is meant for enhancement of sexual pleasure, which is in breach of the law.
  11. MK Agrotech Private Ltd. (Sunpure Refined Sunflower Oil): The claim in the advertisement which states, “India’s first chemical free processed sunflower oil with no harmful additives / preservatives” was considered to be misleading by implication. The advertisement unfairly denigrates oils undergoing regular processing. Also, the claim, “Rich with Natural vitamins”, was not substantiated. In addition no analytical test reports have been submitted to substantiate the claims of "Fresh"; "Healthy”; "all natural"; “natural vitamins”.
  12. Vibes Healthcare Limited (Vibes Weight Loss Assurance): The claim in the advertisement, “Vibes weight loss assurance” was not substantiated.
  13. Dr. Gupta’s Clinic: The claim in the Advertisement, “Dr Guptas Clinic is the country’s No.1 sexual disease treatment center”, was not substantiated.
  14. Raghav Lifestyle Products (Ajay Toothpaste): The claims on the pack of the product which state, “5x clove power vs. non clove toothpaste”, “Superior cavity protection”, “Advanced formulation”, “Complete natural protection”, were not substantiated and were misleading in nature.    
  15. The Bodycare: The claim in the advertisement, “Get Services worth Rs.5000 for Rs.49 only”, was found to be false and misleading by omission of a disclaimer qualifying the conditions under which this claim is tenable.
  16. Ayurwin Pharma Pvt. Ltd. (Nutrislim): The advertisement shows “a man refusing to take his wife to official party because she is fat” and implies that only slim women are considered to be beautiful, derides women and is derogatory especially for women who are overweight.
 

EDUCATION

The CCC found that claims in the 19 advertisements were not substantiated and, thus, violated ASCI Guidelines for Advertising of Educational Institutions. Hence complaints against these advertisements were UPHELD.
 
  1. Byju Classes (GRE Coaching): The claims in the advertisement, “Why is success guaranteed in GRE with Mumbai's top GRE coaching classes - BYJU'S classes?”, “60 sec is what you need to crack any verbal question using our Mathematical Approach”, “Best Teacher & comprehensive course content” and “70% of our students cross 320 in GRE with our courses”, were not substantiated.
  2. Byju Classes (CAT Coaching): The claims in the advertisement, “Bell the CAT with India's No.1 CAT Trainers”, “2000 students attend BYJU's Classes together in a single batch in single center – making it India's Biggest Classroom” and “Byju Raveendran serial CAT topper & No. 1 trainer for the CAT”,  were not substantiated.
  3. Byju Classes (GMAT Coaching Classes): The claims in the advertisement, “70% of our students have a score of 700+ in GMAT”, “60 sec is what you need to crack any GMAT verbal question using our Patented Mathematical Approach”, “760 is the minimum GMAT score of our trainers” and “We are exclusive education partner with Samsung, The Times of India, The Hindu”, were not substantiated with evidence.
  4. Byju Classes:  The claims in the advertisement, “Best CAT Coaching Institute in India”, “GMAT Topper”, “Unique CAT Pattern Workshop”, “Can’t Compare with Byju & Santosh”, “Study Material of Most of the Institutes have no value differentiation”, “80% of the students have crossed 90 percentile over the last 5 years”, “Unique Approach to RC”, “Best Team of IAS Trainers”, “India’s No. Aptitude Trainer”, “India’s #1 IAS faculty”, “20,000 test-takers across the country”, “No National Level Tests” and “Best Teachers”, were not substantiated.  
  5. CL Educate Ltd. (Career Launcher): The claims in the advertisement, “CAT Test Series – The No.1 Cat Test Series Program”, “Most recommended test series”, “Rated the best by students”, “True percentile predictor”, were not substantiated adequately.
  6. Rao Edusolutions Pvt Ltd. (Rao IIT Academy): The claims in the advertisement, “India's most dominating results in JEE Advanced 2015”,  “8 out every 10 RIITians qualify in MH-CET” and  “Number of students selected from Mumbai” (graph showing year of JEE Advanced), were not substantiated with supporting data. 
  7. Exam Victor (Online MBA Entrance Coaching): The claims in the advertisement, “India’s Finest Online MBA Entrance Coaching. Period”, “The Best Faculty-Each lecture, every problem and each video is painstakingly hand-crafted by Vivek, an alumnus of IIT Bombay and IIM Ahmedabad. So you can rest assured that your study material is of the highest quality”, “Individual Attention-Making you an Exam Victor is our only priority. We leverage the best technology and cutting-edge analytics to closely follow your progress and provide you timely feedback”, “How is learning online with ExamVictor better?” and “Most classes employ regular graduates of variable quality”, were not substantiated.
  8. Career Institute of Commerce & Accounting: The advertisement claiming rank after 10, was not substantiated.
  9. IMS Learning Resources Pvt. Ltd. (MBA CET): The advertiser argues that the term “Trusted for Success” is their logo and 15000+ students enrolling with their institute signifies their trust in the institute.  The CCC did not consider enrolment of students to be necessarily an indicator of their trust in the institute. Hence, the CCC concluded that the claim in the complaint, “Trusted by 15000+ students for MBA CET since 2009”,  when read in conjunction with the term “Trusted for Success” is misleading by ambiguity.
  10. CATKing (CAT Toppers):  The claims in the advertisement, “CAT King No.1 CAT Classes in Borivali, Andheri & Powai”, “Best you can get” and “Prof Rahul Singh further went to Harvard Business School for his masters in management”, were not substantiated.
  11. IMS Learning Resources Pvt. Ltd. (CAT Training): The claims in the advertisement accompanied by a visual and cited in the complaint “Closest to CAT” was not adequately substantiated by comparative data versus other similar institutes. Also, the claim support data for “Designed by 5-time 100 percentiler” was not considered acceptable and authentic.
  12. CETKing Education: The claims in the advertisement, “Home of Toppers” with  photographs of 3 students who have been toppers in entrance test, “Results:700+ IIM Calls, 200+ JBIMS Calls, 358 IIM Converts, 236 SYMBIOSIS, 63 NMIMS,18 TISS, 19 MICA .. many more”, were not substantiated with evidence.
  13. CETKing Education (CAT 2015)- It was concluded that the claims in the advertisement, “CET King No.1 in Dadar” “CET King Dadar Best Coaching available” “Increase your mark by 40 marks” “Guaranteed Admissions in top B-Schools”, were not substantiated with evidence.
  14. CATKing (CLAP Digital Marketing Course): The claims in the advertisement, “Certification from a Harvard Business School Alumni”, and claims with reference to Mr Rahul Singh - “He is a CAT 99.99% in Verbal Ability”, “He scored 780/800 in GMAT”, “He scored 340/340 in GRE and became the World’s Rank 1 GRE Topper”, “He ranks 14th in the world for teaching English”, “He pursued his MBA from SP Jain Institute of Management & Research, Mumbai” and “He also achieved a degree in Master of Information Technology from Virginia Tech”,  were not substantiated with authentic evidence.
  15. Rao Edusolutions Pvt Ltd. (Rao IIT Academy): The claim in the advertisement, “Every nine out of ten Rao IIT students qualified for JEE Mains”, was not substantiated with evidence/ supporting data.   
  16. Cheil India P. Ltd (Samsung Smart Learning): The claims, “Best test preparation institutes onboard ”,  “Best in class content partners”,  “Aakash is the premier institute for preparation of medical, engineering & foundation level entrance exams in India”,  “Byju has revolutionized Indian education”,  were not substantiated with authentic supporting data to prove the credentials of their partners.  
  17. CL Educate Ltd. (CL LST): The claim in the advertisement, “8 consecutive CLAT toppers till date”, was not substantiated.
  18. Clat Possible: The CCC concluded that in the context of the coaching for Law Entrance exam being offered in the Institute, the claim in the Website, “Surabhi Modi Sahai has won Fulbright Scholarship”, is misleading by ambiguity as claim support was for Ms Modi to be a Hindi Teaching Assistant under Fulbright Foreign Language Teaching Assistant program.  
  19. Triumphant Institute of Management Education P. Ltd: The claim in the advertisement, “Karnak Verma makes history by ranking All India 3rd in IAS CSAT exam”, is false and misleading as no such rankings are given by Union Public Service Commission who conduct the CSAT exam.
 

TELECOMMUNICATION & BROADBAND

  1. Bharti Airtel Ltd. (Airtel 4G): In the absence of appropriate disclaimers, the claims made in the advertisements that “Airtel 4G is the fastest network ever” and “If your network is faster, we will pay your mobile bills for life”, are misleading by omission.
  2. Reliance Communication Ltd. (Reliance Pro 3): The website claims as well as the claims on the packaging of, "upto 14.7 Mbps and upto 5.7 Mbps", were not substantiated and in the absence of any disclaimer qualifying the conditions under which the claims were tenable, were misleading by exaggeration.
  3. Bharti Airtel Ltd. (Airtel 4G): The claim, “Airtel Challenge, yehi hai sabse tez network”, is misleading by omission that the service referred to   Airtel 4G.  
  4. Aircel Business Solutions Discount (Free Coupons): The Promotional SMS was viewed and the CCC concluded that it did not have any disclaimer of applicable “Terms and Conditions” and was therefore misleading by omission of reference to any other applicable charges.
  5. Reliance Communication Ltd: The claim, “Get Upto 1 GB extra FREE on every 3G Data Recharge of Rs 197…” in the promotional SMS was not substantiated and was misleading.
 

OTHERS

  1. IMG RELIANCE (Indian Super League): The visuals in the TVC, particularly the visuals showing the ball being thrown from an overbridge, a guy running on a parapet, children playing football amongst motorcycles and cars, children playing football on the pavement in the vicinity of people seated on chairs, encourage people to indulge in dangerous practices without justifiable reason. Regardless of the disclaimer, the TVC sends out a wrong message.
  2. Times Global Broadcasting Co.Ltd. (Times Now): The claim “No.1 English News Channel” is substantiated for week 38 only. The data period being referred is only of one week and not minimum of four consecutive weeks as required by the BARC Rules of Fair Usage guidelines. The claim did not have any mention of the source of the data as well.  Thus, it contravened ASCI’s Guidelines.
  3. Lenskart.com: The claim in the TVC, “Lenskart give you first frame for free”, is false and misleading.
  4. Amazon.com Inc. (Redragon M613 2.4GHz Wireless Mouse): The website communication claiming the MRP of the product as Rs.1400, when actually printed MRP on product pack is Rs.1100, which is being offered at a discounted price of Rs.899, distorts facts and is therefore misleading the consumers as to actual discount being offered.
  5. Jubiliant Foodworks Limited (Domino’s Pizza): The claim of “30 minutes or Free”, regardless of the disclaimer,  is misleading by omission as the terms and conditions say that liability is limited to Rs. 300/-, and what the advertiser provides is Rs. 300/-  price off but not a free product.
  6. Pisces eServices Pvt Ltd. (Food Panda): The claim in the advertisement, “Upto 50% off”, is false and was not substantiated with evidence of customers who have availed this offer.
  7. Telecomtalk.info: The claim, "TelecomTalk has grown to become one of India’s top 10 technology media portals with a wide range of readership”, was not substantiated.  Also, the source and date of research for the claim is not mentioned in the advertisement
  8. Polycab Wires Pvt Ltd.: The main theme of the TVC is focusing on “electricity saving by switching off running appliances” and does not refer to the “transmission losses”.  The CCC concluded that the claim, “25% power saving” ("Pachis percent bijli ki bachat") is misleading by implication (i.e.  it implies that your electricity bill will be less).
  9. Vishnu Pouch Packaging Pvt. Ltd.: The visual presentation in the TVC showing the celebrity playing Holi with saffron (kesar) and the entire city enjoying the saffron rain, is grossly misleading by exaggeration. These visuals, seen in conjunction with the voiceover claim of “Daane Daane Mein Kesar ka Dum”, implies that the product has significant quantity of saffron as an ingredient, were considered to be misleading by implication. The claim, “Daane Daane Mein Kesar ka Dum”, was not substantiated with lab test reports confirming saffron content. Part of the supers in the TVC (“Not for minors. 0% Tobacco, No added Nicotine”) were not in the same language as the voice over of the TVC. This contravened the ASCI Guidelines on Supers.
  10. Nirmal One Spirit (Nirmal Builders): The claim, “Will earn 12% ROI per annum”, is misleading by omission of a disclaimer qualifying the conditions under which the claim is tenable, and also that the rate of 12% is for a period of one year on down payment. The claim of “ROI” was considered to be false.  
  11. Jaypee Infratech Limited: The claim in the advertisement, “Wishes do come true” appearing with a checked mark against various projects implying that that the projects are completed, was not substantiated and was misleading.

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COMMENTS

Ravi Malpani

1 year ago

2 weeks ago I ordered 4 Pizza from Dominos. Order was delivered after 40 minutes. I asked the delivery boy for free delivery. He said it is not applicable on my order as it was a bulk order!!

Good that such misleading ads are banned!

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The Scam
24 Year Of The Scam: The Perennial Bestseller, reads like a Thriller!
Moneylife Magazine
Fiercely independent and pro-consumer information on personal finance
Stockletters in 3 Flavours
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MAS: Complete Online Financial Advisory
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